Can a Class 4 Roof Lower Your Homeowners Insurance in Newcastle, Oklahoma?
Homeowners insurance has become a major expense for Oklahoma families. If you own a home in Newcastle and your roof needs to be replaced, there is one question worth asking before you choose your shingles:
Could upgrading the roof help lower my insurance premium?
In many cases, the answer may be yes.
Many insurance companies recognize qualifying impact-resistant roofing because these materials are designed to better withstand hail damage. Depending on your insurance carrier, policy and roofing product, installing a Class 4 impact-resistant roof may qualify your home for an insurance discount or credit.
Why Insurance Companies Care About Your Roof
Think about what happens when a hailstorm moves through Newcastle.
Your roof may cover thousands of square feet and has very little protection from the storm. Hail strikes the shingles directly, sometimes hundreds or thousands of times during a single storm.
When roofs are damaged, insurance companies can face expensive claims.
Impact-resistant shingles are designed to reduce that risk. Class 4 represents the highest impact classification under the UL 2218 roofing impact test.
That is why some insurance companies are willing to offer homeowners an incentive for installing qualifying impact-resistant materials.
How Much Can You Save?
There isn’t one answer that applies to every Newcastle homeowner.
Insurance companies establish their own eligibility requirements and discounts. Your savings can depend on your carrier, policy, roof, location and the specific Class 4 product installed.
The Oklahoma Insurance Department has advised consumers that many insurance companies offer discounts for impact-resistant roofing.
The best thing to do is contact your insurance agent before the roof is installed.
Tell them you are considering a UL 2218 Class 4 impact-resistant shingle and ask:
“If I install this particular Class 4 roof, what will my annual premium be compared with a standard shingle?”
Get the answer directly from the company insuring your house.
Don’t Choose a Roof Based Only on the Discount
We think the insurance savings should be considered a bonus.
The primary reason for upgrading is to put a stronger roofing system over your home.
Newcastle sits right in the middle of Oklahoma storm country. We deal with hail, high winds, extreme heat and sudden temperature changes.
If you are already replacing your roof, it is worth comparing the price of a standard architectural shingle with the price of a Class 4 impact-resistant shingle.
Sometimes the difference isn’t as large as homeowners expect.
Top View Roofing Serves Newcastle, Oklahoma
Top View Roofing helps Newcastle homeowners compare roofing options without making the process complicated.
We can inspect your existing roof, explain your shingle choices and provide the roofing information you may need to discuss a potential impact-resistant roof discount with your insurance company.
If your Newcastle home needs a new roof, don’t automatically put the same type of shingle back on the house.
Ask about Class 4 first.
A stronger roof today could mean better protection the next time Oklahoma weather comes knocking — and depending on your insurance company, it could potentially save you money on your homeowners insurance as well.
Top View Roofing LLC
Serving Newcastle and the Oklahoma City metro
Local • Insured • Bonded
